I can tell you from my experience, my water was always near perfect 0 ammonia, 0 nitrites, very low nitrates, fish happy, healthy, then one gloomy Sunday I did a routine water change and within a short period of time, most of my fish were dead. Took me awhile to figure out what happen, you begin to second guess everything you did that day. It happen a second time, on a Sunday, then it hit me. I tested the tap and it had ammonia in it, I had tested on a number of occasions before on a week day and didn't show any but on a Sunday it definitely was there. Now I'm not sure how fast decholorinator works but any other day of the week, I never had a problem using tap water. I would add decholorinator then fill up with water. Even with dechlorinator it still wasn't enough to remove the ammonia. I think it might be great for removing chorine but not ammonia. I recently bought some Prime to see how fast that works, will test it to see.
I am wondering if there are any case studies of how fast these water conditioners work. Adding water from the tap it's pretty much going to get to the fish, how fast and what impact it will have on the fish is uncertain. My two red tail sharks have what I think are ammonia burns, lost 4 fish the second time which is better then the first time. I will never do water changes on a Sunday again. Now I'm paranoid that it will always be in the tap water so I have to be extra concerned on adding it to the tank.
I usually turn the filter off when doing water changes, not sure if that's the right thing to do or not. The fish definitely get exposed to the tap water regardless of the added water conditioners. Another thing I think if you have perfect water and the fish are use to it, the slightest amount of ammonia is going to stress them. Like a healthy person always eating right then one day they eat junk food, they get sick.